Embrace | Pet Insurance Review

I'm new to Embrace. I have a 3 year old Husky with no health problems. I had health insurance through another company and decided to switch to Embrace because of their wellness plan. I took my dog to the vet on Saturday and my vet faxed over everything to Embrace. Today I got an email saying my reimbursement has been deposited. I already recommended Embrace to my co-worker. I can't believe how quickly and easily everything worked out. I talked to the Customer Service rep a few times before signing up online, and each time they were extremly nice and helpful! SO FAR SO GOOD!

the wellness plan is so affordable and wonderful. I do not need to sweat about the cost of care for my pets. I have had Embrace now for only 2 months, and each month right from the beginning I have been reimbursed. thank you so much Embrace.

This is the first time we've had Pet Insurance. It is offered at a discount through my place of employment. So far, Trudy has been covered for about a month and I've submitted one wellness claim which was reimbursed very quickly! The folks I have spoken with have all been incredibly responsive and helpful. I wish I'd had the foresight to take it out sooner. Take my advice - if you're even thinking about it - DO IT - it's short money for piece of mind and a great company too! Employers - please see if you can affiliate and offer a discount to your employees. It's a great no cost benefit!

I was pleasantly surprised by the quick and personal service provided by the people at Embrace. I never expected the claim to be processed as fast as it was. I also didn't expect to get an e-mail specifically to me about my dog. It sure is better than human health insurance. Maybe they could learn something from Embrace.

Sure, it’s all roses until you cancel your plan and try to rejoin…… I was a satisfied Embrace client, having enrolled my pup with Embrace since the age of 4 months. Happy with the premium cost which was about $50 a month w/a $200 deductible for his breed/NYC. I was shocked one day to receive a waiver that required my signature. Essentially the waiver stated I understood if I signed, Embrace was not chartered in New York state and I would not be able to pursue an unpaid claims in New York state claims courts. Thousands of dollars in bills potentially unrecoverable? Not impossible scenario but very scary so as a concerned pet parent, I didn’t sign and switched firms. Went to Petplan. Am really unhappy with Petplan despite great reviews. Now I want to return to Embrace. Figure my dog is still young, Llyods of London is a reputable underwriter and all should be fine. Until, Embrace quotes me a premium of $89/mnth $1068/yr and informs me they WILL NOT be covering conditions they had previously covered since his coverage beginning at 4 months because my dog would be classified as a brand new customer with no history at Embrace (his medicial records would need to be reviewed as if he were never an Embrace client). Now, all the things that were NOT pre-existing in his policy since he was a pup are now considering pre-existing since I had taken a 3 month break from Embrace even though he had insurance coverage elsewhere with no claims. Really? I am outraged that Embrace is using a tec